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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Australian credit card company chasing me in UK after nearly 6 years - threatening letters


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Should I find out if a judgement has been issued against me in this case?
Yes.

 

I don't know whether Oz law is the same as the UK with respect to CCJs but I suspect that they will be unable to obtain one against a non-Oz resident.

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Thanks Cerberus, have just - probably wrongly - posted a question against an earlier thread - basically asking whether Credit Corp will be able to see if I access my VEDA or Dun & Bradstreet file if I apply for an online credit report in Oz?

 

Does anyone out there know if you can get information on judgements made against you through the Australian court system, without having to go through the credit report agencies? I ask because I am presuming that doing it this way will not advertise your activities to creditors - surely the courts have rules on who they give information out to, and an individual is legally entitled to get information about judgements against him or her in the court system.

 

Any thoughts?

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Thanks Cerberus, have just - probably wrongly - posted a question against an earlier thread - basically asking whether Credit Corp will be able to see if I access my VEDA or Dun & Bradstreet file if I apply for an online credit report in Oz?

 

Does anyone out there know if you can get information on judgements made against you through the Australian court system, without having to go through the credit report agencies? I ask because I am presuming that doing it this way will not advertise your activities to creditors - surely the courts have rules on who they give information out to, and an individual is legally entitled to get information about judgements against him or her in the court system.

 

Any thoughts?

 

Yes, you can use Veda's "My Credit File" service. It can be found at http://www.mycreditfile.com.au/personal/credit-file.dot - just be sure when you enter your details, you put your current address as your last known address in Australia. Obviously you're lying but it will ensure your current address will not be spread around. You have to pay for this service, but the report is emailed to you within one day and then you can see what's on there without disclosing your current address.

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Thanks Cerberus, have just - probably wrongly - posted a question against an earlier thread - basically asking whether Credit Corp will be able to see if I access my VEDA or Dun & Bradstreet file if I apply for an online credit report in Oz?

 

Does anyone out there know if you can get information on judgements made against you through the Australian court system, without having to go through the credit report agencies? I ask because I am presuming that doing it this way will not advertise your activities to creditors - surely the courts have rules on who they give information out to, and an individual is legally entitled to get information about judgements against him or her in the court system.

 

Any thoughts?

 

I emailed the court directly (in the appropriate jurisdiction based on where I lived) and they promptly answered my question - verifying there were no court judgements against me. You can use this method, or access your credit report online using your last known address in Australia.

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The benefit of a credit file is you have a definitive date that the default was listed. As I found much to my benefit, having an old credit report available with such information soon put an end to a second duplicate listing by Credit Corp. Yes, they did a dirty trick, what a surprise. In all the debt was listed three times. We await the Privacy Commissioner's final outcome, but a recent telephone conversation confirmed that poor old Credit Corp are up to their neck in it.

 

And rightfully so.

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Brilliant, thanks so much. Will do that and try and put my last address in, although I wonder how it will work if I am paying with my UK debit card. Will try it anyway. Just a point for those out there reading this too, I contacted the Magistrates Court in the state where I lived last night. I emailed them and told them my situation. I was very honest with them. I said Credit Corp were chasing me for a debt which I did not acknowledge. I gave them my full legal name and the last date of contact from Credit Corp and asked them to tell me if a judgement had ever been made against me. I just got back an email from (it's wonderful they are working while we are asleep with none of this bank holiday nonsense :) and they said they did a search on me and no judgement has ever been made against me. Phew!!!

 

I did an extensive search last night and found out that county court judgements for unsecured debt with credit agreements such as credit cards are made through the magistrates court. I checked it through the county court in my former state, because being called a county court judgement you would think it would be passed down through the county court, but no it is through the magistrates court - the civil section of course, as we are not criminals - ha ha.

 

Will also email the county court too and ask them the same question just to be doubly, triply safe and do the VEDA check.

 

Just to say too - I last made a payment and acknowledged the debt in August 2005 - March must have been a typo.

 

I also wrote three letters last night - one to SD telling them I am reporting them to ASIC and the Solicitors Regulation Authority in the UK; a letter to ASIC and a letter to the SRA. Will post these three letters today.

 

Am feeling very empowered.

 

If anyone else out there needs support and encouragement, please get in touch.

 

Power to the people.

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Brilliant, thanks so much. Will do that and try and put my last address in, although I wonder how it will work if I am paying with my UK debit card. Will try it anyway. Just a point for those out there reading this too, I contacted the Magistrates Court in the state where I lived last night. I emailed them and told them my situation. I was very honest with them. I said Credit Corp were chasing me for a debt which I did not acknowledge. I gave them my full legal name and the last date of contact from Credit Corp and asked them to tell me if a judgement had ever been made against me. I just got back an email from (it's wonderful they are working while we are asleep with none of this bank holiday nonsense :) and they said they did a search on me and no judgement has ever been made against me. Phew!!!

 

I did an extensive search last night and found out that county court judgements for unsecured debt with credit agreements such as credit cards are made through the magistrates court. I checked it through the county court in my former state, because being called a county court judgement you would think it would be passed down through the county court, but no it is through the magistrates court - the civil section of course, as we are not criminals - ha ha.

 

Will also email the county court too and ask them the same question just to be doubly, triply safe and do the VEDA check.

 

Just to say too - I last made a payment and acknowledged the debt in August 2005 - March must have been a typo.

 

I also wrote three letters last night - one to SD telling them I am reporting them to ASIC and the Solicitors Regulation Authority in the UK; a letter to ASIC and a letter to the SRA. Will post these three letters today.

 

Am feeling very empowered.

 

If anyone else out there needs support and encouragement, please get in touch.

 

Power to the people.

 

It will be interesting to see what SD come back with ... no doubt more nonsense. Please post it up for our amusement.

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  • 1 month later...

You're close to being statute barred. Stall stall stall. SD know that the risk of recovering the debt is becoming slimmer and the more tasks you throw at them, the prospect of obtaining a commission by obtaining judgment makes the effort worth less and they will concentrate their efforts elsewhere. Having said that, the information you request is clearly pertinent and relevant to your defence.

 

I would encourage people, in complete confidence, to email me at [email protected] with details of whether the claim failed, or if a settlement was reached, what the amount paid vs the amount requested was so that the statistics can be published on http://www.creditcorp.net.au anonymously so that others know what their bargaining position is.

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Just an encouragement to people on this thread. I stalled SD/credit corp here in the UK for almost 18 months till things were statute barred. Credit Corp are a bunch of absolute gangsters, and Westpac are incompetent liars. They sold the credit card debt after I had come to a repayment arrangement with them and was happily meeting the arrangement.Westpac are idiots. If they hadn't sold the debt for pennies in the dollar to these gangsters, they would be fully paid up now. Useless the lot of them.

Edited by cerberusalert
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Hello Jellybinh,

I am interested in how you managed to stall or 18 months. I have a Citi card debt in Oz, which will be SB'd in 12 months. Currently I get 2 calls a week from a chap at Citibank who wants me to call him! I expect that the debt will eventually get sold on when they get bored of my non-response. I would like to get some tactics ready for when Creditcorp come calling

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  • 6 months later...

Hi Minky

How did you get on with these people? They are hounding me now. I would love to get my hands on your complaint letters. Looks like i will have get some complaining done.

Please advise if you can

http://www.consumeractiongroup.co.uk/forum/showthread.php?335646-Stevensdrake-Solicitors-and-Credit-Corp-pty

Edited by natashacat
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